Credit ClearASX:CCR -25.00%37 PB Ratio is 0.94 as of Jun. 25, 2026, which is 49% below its 10-year median of 1.85. GuruFocus rates ASX:CCR with a GF Score™ of 37/100 and a GF Value™ of A$0.35 (Significantly Undervalued). Among 2,625 Software companies, Credit Clear ranks better than 75.89% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), Credit Clear's share price is A$0.15. Credit Clear's Book Value per Share for the quarter that ended in Dec. 2025 was A$0.16. Hence, Credit Clear's PB Ratio of today is 0.94.
Good Sign:
Credit Clear Ltd stock PB Ratio (=1.31) is close to 2-year low of 1.26.
The historical rank and industry rank for Credit Clear's PB Ratio or its related term are showing as below:
ASX:CCR'
s PB Ratio Range Over the Past 10 Years
Min: 0.94 Med: 1.85 Max: 8.36
Current: 0.94
During the past 6 years, Credit Clear's highest PB Ratio was 8.36. The lowest was 0.94. And the median was 1.85.
ASX:CCR's PB Ratio is ranked better than 75.89% of 2625
companies
in the Software industry
Industry Median: 2.36
vs ASX:CCR: 0.94
During the past 12 months, Credit Clear's average Book Value Per Share Growth Rate was 15.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -2.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.80% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Credit Clear was 24.80% per year. The lowest was -2.70% per year. And the median was 13.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Credit Clear PB Ratio Related Terms
Credit Clear PB Ratio Historical Data
* Premium members only.
The historical data trend for Credit Clear's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Information Technology Services subindustry, Credit Clear's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Clear PB Ratio vs Software Industry
For the Software industry and Technology sector, Credit Clear's PB Ratio distribution charts can be found below:
* The bar in red indicates where Credit Clear's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Credit Clear's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Credit Clear (ASX:CCR) has a PB Ratio of 0.94 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Clear and its competitors. This is 49% below median its historical median of 1.85. Over the past decade, Credit Clear's PB Ratio has ranged from 0.94 to 8.36. According to the industry distribution chart, Credit Clear ranks #633 out of 2625 companies in the Software industry, placing it in the top 24.1%.
Is Credit Clear's PB Ratio too high?
Credit Clear's current PB Ratio of 0.94 is 49% below median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 8.36. The Software industry median PB Ratio is 2.36. Credit Clear's value of 0.94 is 60.2% below this industry median. Based on the distribution chart, Credit Clear ranks #633 out of 2625 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Clear has a GF Score™ of 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's PB Ratio compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #633 out of 2625 companies for PB Ratio. This places Credit Clear in the top 24% of its industry — outperforming the majority of peers. The industry median PB Ratio is 2.36. Credit Clear's value of 0.94 is 60.2% below this benchmark. Historically, Credit Clear's own PB Ratio has ranged from 0.94 to 8.36 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 2.36, Credit Clear has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.36, based on 2,625 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current PB Ratio of 0.94 is 60.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Clear and its competitors. For the Software industry, the median PB Ratio is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current PB Ratio is 0.94, which is 49% below median its own 10-year median of 1.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Clear stock overvalued right now?
Based on GuruFocus' analysis, Credit Clear (ASX:CCR) is currently considered Significantly Undervalued. The stock's GF Value™ is A$0.35, compared to a current price of A$0.15 — trading 57.1% below its estimated fair value. The current PB Ratio is 0.94, which is 49% below median its 10-year median of 1.85 and 60.2% below the Software industry median of 2.36. Credit Clear's overall GF Score™ is 37/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current PB Ratio is 0.94 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Clear (ASX:CCR) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Clear stock appears to be undervalued.
The current stock price of A$0.15 is trading 57.1% below its estimated GF Value™ of A$0.35.
GuruFocus considers Credit Clear to be Significantly Undervalued.
Key valuation signals for ASX:CCR:
PB Ratio: 0.94 (49% below median its 10-year median of 1.85)
GF Value™: A$0.35 vs. price of A$0.15 (57.1% below fair value)
Industry Position: 60.2% below the Software median (#633 of 2625)
No single metric tells the full story. See the ASX:CCR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Clear Ltd is engaged in the business of providing financial services. Its provision of debt resolution services and the ongoing technology development and implementation of the Company's digital engagement platform. The Group also provides commercial legal expertise as part of its full end-to-end collections management service. Its segments include Collections and Legal Services. The company generates maximum revenue from the Collections segment. Geographically, it derives a majority of its revenue from Australia.
37GF Score
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